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| pix1 |
Posted - 10 October 2008 : 13:29:09
See Snowdog's post from yesterday 'Some more questions'
Like RHB, i think it could be a good idea to try offering to return the catalogue clothes and to try to make at least the initial payment. I think Snowdog has a bit of time to get the letter off to the catalogue and allowing sufficient time for them to reply. I think it could only go in his/her favour. I am reposting it just in case no one looks at the older post. This is what I wrote;
Snowdog,
Good luck.
Along the same lines as the post from RHB, I suggest the following course of action to give yourself peace of mind:
Write a recorded delivery letter to the catalogue people stating that you have found you cannot afford the clothes, will not be able to make payments and feel it is a responsible thing to offer to return them. If you want you could tell them you are about to petition for your own bankruptcy but, really, all you need to say is that you have debt problems which you thought you could manage but realise that you no longer can and are looking at options to deal with your debt.
Chances are it might be quite a while before the company replies to you. If they do reply before you go BR they may ask you to return the clothes but, as they are clothes, they may be quite useless to the company second hand. The point is that if the prverbial hits the proverbial with the OR investigating the transaction later you can show that you endeavoured to return the items and did not just intend to keep them.
It is important the letter goes recorded delivery as you may wish to refer to it once you are bankrupt to show you attempted to rectify the purchase by returning them.
It could be great if you could make the intitial payment by cheque or postal order and put it in the same envelope as the letter (refer to the payment in the letter, of course!) phew!
one quick point: the OR will tend to look less favourably on recently incurred debts than on older debts. Also, it is important what amounts are involved here. I hope it isn't 20 fur coats we are talking about!
All the best.
pix1
Junior Member
317 Posts
Posted - 10 October 2008 : 13:21:23
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Footnote to my last reply post to this topic:
Snowdog,
the OR may want to look at the details of any application form which was filled out for the catalogue or any online application made or any telephone application made to them. The OR could approach the company for information or yourself.
As stated, though, a lot may depend on the amount involved. The potential letter offering to return the garments could, in my opinion, only go in your favour.
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